『Retirement Planning - Redefined』のカバーアート

Retirement Planning - Redefined

Retirement Planning - Redefined

著者： John Teixeira and Nick McDevitt
無料で聴く

【Amazonプライム会員限定】今ならプレミアムプランが4か月 月額99円。

10月19日まで。※適用条件あり
Financial and retirement planning guidance from Certified Financial Planner John Teixeira and Nick McDevitt of PFG Private Wealth Management in the Tampa Bay, FL area. On this show, you'll learn about how the financial and retirement world has evolved over the past several decades, how to properly plan for your own future, and some of the important pitfalls to avoid. PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.Copyright John Teixeira and Nick McDevitt 個人ファイナンス 政治・政府 経済学
エピソード
  • Florida Probate Q&A: Wills, Property, Costs & More with Nicole Bell Cleland

    Florida Probate Q&A: Wills, Property, Costs & More with Nicole Bell Cleland
    2026/09/17
    Nicole Bell Cleland of Legacy Protection Lawyers returns to answer some of the most common questions that come up around Florida probate and estate administration. She and John discuss what happens when someone dies without a will, special considerations for blended families and inherited property, when an attorney is required, and what the probate process may cost. Legacy Protection Lawyers: https://www.legacyprotectionlawyers.com/ Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: Welcome into another edition of Retirement Planning Redefined with John and Nick, financial advisors at PFG Private Wealth. And Nick is off again on this episode as we have Nicole Cleland joining us again to follow up with a Q&A conversation, some questions and answers about the probate conversation we just had on our prior podcast. So John's going to jump in and toss out some of the most frequently asked questions that these guys get when dealing with this. And of course, if you need some help, go and check them out online at legacyprotectionlawyers.com. That's legacyprotectionlawyers.com. We'll have a link in the show descriptions along with John and Nick at pfgprivatewealth.com. But first, Nicole, welcome back. Nicole Cleland: Thanks for having me. Speaker 1: Absolutely. Great stuff last time, so thanks for being here. And of course, John, thanks for being here, buddy. John: Yeah, yeah. Having a good time here. School year started for the kids, which has been fun. So kids are excited to go back to school. I'm sure parents are a little excited too to have their own little break, but all is good. Speaker 1: For sure. Well, we had some good response to the prior podcast episode, and so you guys deal with this stuff a lot. Obviously you guys work as a team as well. And so what are some of those top questions, John? I know you got a couple we want to cover on this episode, so take it away. John: Yeah. So one question I get from clients and some stuff I'm curious on. So one is, and we try to avoid this by doing proper planning upfront, but Nicole, what happens if someone doesn't have a will, or there's no beneficiary listed on an account, or it's not listed correctly? Nicole Cleland: Yeah, so if someone dies what we call intestate, so they had not signed a will prior to their passing, then we have to look to Florida law, Florida's intestacy statutes to find who their intestate heirs are. And the idea behind the law is to reflect what most people would naturally want. And if you think about it under Florida intestacy laws, if you're survived by a spouse, then usually 100% goes to the spouse. If no spouse then to your children, if no children are descendants, then it goes back up to parents and then out to siblings. Obviously with blended families, stepchildren, half siblings, that can vary a little bit, but Florida law tries to reflect what most people would had intended had they created a will themselves. John: Okay. So in essence, the courts try to make their best effort to do who gets what? Nicole Cleland: Well, not the courts so much as the law. John: Oh, okay. Nicole Cleland: And what I mean by that is, if you passed away tomorrow and you had three children and you were estranged from one of them, but you had not signed a will disinheriting that child, then under Florida law, that child's going to take an equal third. The court has no discretion on that. So the estrangement of the child has no bearing. It's just a matter of what Florida law states. John: Gotcha. And then you mentioned blended families, something that does come up every once in a while, and I think most people miss it. Tell us about elective share. Nicole Cleland: Yeah, so in Florida you can, and actually most states, all but one, I think, have a similar law that states that you can leave your assets to whomever you want. You can disinherit your children, you can disinherit parents, but the one person you cannot disinherit is your spouse. So in Florida law, your spouse is entitled to a minimum of 30% of your overall estate, not just your ...
    続きを読む 一部表示
    13 分
  • Navigating Florida Probate with Nicole Bell Cleland

    Navigating Florida Probate with Nicole Bell Cleland
    2026/09/10
    Probate can feel overwhelming, especially when you're trying to understand what happens after a loved one passes away. In this episode, John is joined by Nicole Bell Cleland of Legacy Protection Lawyers to break down the Florida probate process and explain what personal representatives and families should expect along the way. They cover the major stages of probate, including identifying assets and debts, handling creditors and taxes, opening estate accounts, making distributions, and understanding the responsibilities that come with administering an estate. Legacy Protection Lawyers: https://www.legacyprotectionlawyers.com/ Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: This week on Retirement Planning - Redefined, let's talk about navigating Florida probate and all that comes with that with John, and Nicole is joining us from Legacy Protection Lawyers. Welcome into the podcast everybody. Thanks for tuning in to Retirement Planning - Redefined with John and Nick. Nick's not here today. We're swapping him out with Nicole, which is going to be fun because Nicole's going to talk to us about navigating Florida probate and she's just peppier than Nick, so we're just going to have fun talking with her. How you doing, Nicole? John Teixeira: Just a little peppier. Nicole Cleland: I'm doing good. Thanks for having me. Excited to be here today. Speaker 1: Yeah, absolutely. Thanks for joining us. And of course, John, welcome in buddy. Thanks for being here. John Teixeira: Yeah, yeah. I'm excited to have Nicole back on. She's a wealth of information, so it's always good to have her. Speaker 1: Yeah. And we'll have links in the descriptions if you guys want to reach out if you have some questions to legacyprotectionlawyers.com, we'll have a link in there that you can follow up with, of course, along with the guys as well for the financial side of things. So let's jump in and talk about navigating Florida probate. I know it sounds a little boring and a little worrisome, but it's also important stuff, Nicole. So let's get you rolling in there a little bit with some places to start. What's a good place to start with this? Just the pre-filing diligence, determining what it is that you have and need? Nicole Cleland: Yeah, exactly. So when someone passes away and we're looking at what type of administration might be needed, I usually suggest to clients to really take the time to look at the whole picture. Sometimes you find one asset where you feel like you might need to jump in and go ahead and handle that, but sometimes I think it behooves a lot of people to take a step back, make sure you have your arms around everything before really jumping into one of the options. And the reason why is some people may have gone through experience personally. You might go down one road and find the facts have changed a little bit and now you're leading down a different road. And that can lead to delays and expenses, and it really helps to really take the time to assess everything. Read the estate plan, what are the assets, what are the debts, and then go from there. Speaker 1: Gotcha. And what are some of the administrative type things to think about as far as some bullet point items for folks? Nicole Cleland: Sure. So there's really a handful of different types of administrations. And focusing on probate alone, there are three different types in Florida at least. The first one is very uncommon. It's when the size of the estate costs less or the assets in the estate are less than a funeral bill. So not a very common one and a little bit more difficult to go through. But the big ones are what we call formal administration and a summary administration. And when people think of probate, usually it's the formal administration that they think of, the process that can take a bit longer, be a little bit more expensive, but there's also an abbreviated or an abridged probate process called a summary administration. And those are permitted in estates where a person has been deceased for over two years, or if the size of the estate is less than $150,000. And that's actually a...
    続きを読む 一部表示
    18 分
  • What To Sell Before Retirement – YouTube’s Most Watched Retirement Video

    What To Sell Before Retirement – YouTube’s Most Watched Retirement Video
    2026/07/02
    Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation — not to tear it apart, but to react honestly. Do we agree? How often do we actually see this play out with real clients? Let's get into it. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Marc: Do a little reaction conversation this week here on the podcast. Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title was Sell These Five Things Before You Retire, so we thought it was worth a conversation, not necessarily to tear it apart, but just to react to it honestly. Do we agree? Do we not? Let's dive in this week here on Retirement Planning Redefined with John and Nick. Welcome in once again to the podcast. This is Retirement Planning Redefined with John and Nick from PFG Private Wealth. Find them online at pfgprivatewealth.com, that's pfgprivatewealth.com, and we're going to talk about this video this week, guys. I want to kind of break down these couple of sections here. Now, we can throw a link into the descriptions for folks if they want to go check it out, but this video, as I said in the teaser, got just under four million views last year for the five things you should sell before you retire. I wanted to get your guys' take on this. First of all, how are you doing this week, John? John: I'm doing good. I'm doing good. I was telling Nick earlier, I started trying to give my kids something to do this summer, and I have them working out, because they want to get better at gymnastics, so I put together a program and told them it was time they learn a language. We started doing some Portuguese, so it's interesting listening to them try to pronunciate the words, but it's been fun. Marc: Nice. Nice. That's very cool. Very good. Good job parenting there, sir. Absolutely. What about you, Nick, buddy? You doing all right this week? Nick: Yeah. Yeah. I have visitors in from out of town for a bit, so that's always fun, but they're easy. We've been having a good time enjoying the new house. Marc: Well, you're a good guy in that regard. You were saying it's going to be a bit that they're staying. See, I was brought up with the rule and I live by the rule of, house guests and fish, same timeline, three days. After three days, they've got to go. John: Nick is having home-cooked meals I think daily, and I think they're just helping out around the house, so he's probably very comfortable right now. Marc: Okay. Nice. Nice. Nick: Yeah. There is a net gain in the scheme of things for me. Marc: Okay. All right. Fair enough. Nick: Yeah. Marc: That adds to the equation, right? Nick: It definitely helps. It definitely helps. Marc: Look, you're always planning, right? You're always doing the math on the situation, right? Well, let's talk about this video this week. 3.7 million views on this, so let's start with the first one. I'm going to get your guys' reaction to it. The oversized house. The house that was perfect for raising a family isn't always the right house for retirement. Certainly, this one's kind of understandable. Selling it can free up some significant equity, especially in today's market, depending on where you're at, right, so what's your thoughts on this being one of the five things you should sell before you retire? Whoever wants to start. John: I can jump in on this. I think, like we say with everything, it depends, but this could be, depending on the outflows of the house, the maintenance, property taxes, insurance, just how big it is, one of those spots where it could make sense, if you're ready, just to kind of start eliminating some of your to-do lists and outgoing cashflow and stuff like that, where this is definitely a spot where we see a lot of people say, "Hey, is it time to downsize, and what does that look like for me? If I downsize, what else can I do with the extra cash flow I now have? Maybe I pocket a lump sum balance, that I could do something else with it." Marc: Yeah. I mean, ...
    続きを読む 一部表示
    20 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません